442 Jefferson St, Waterloo, WI 53594 Property Records

Jefferson County property record for 442 Jefferson St, Waterloo, WI 53594

Property Summary

Property Type	Single Family Home
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$3,939 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`290-0813-0823-005`

Property Details

APN / Parcel Number

Primary APN	`290-0813-0823-005`

Exterior

Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Location & Zoning

Street Address	442 JEFFERSON ST
City	WATERLOO
State	WI
Zip	53594-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5,BLK 1, PESCHEL 1ST ADD
Legal Range	13E
Legal Township	08N
Legal Section	08
Legal Quarter	NW
Quarter-Quarter Section	SW
Legal Subdivision	PESCHEL 1ST ADD
Legal Block	1
Legal Lot Number	5
Jurisdiction	JEFFERSON WI
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2041
Census Tract	100400

Owner

Source: Jefferson County records, as of February 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	442 JEFFERSON ST, WATERLOO, WI 53594-1420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF DEERFIELD
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF DEERFIELD
Nov 1, 2019	Quit Claim Deed, Transfer BANK OF DEERFIELD
Jul 7, 2017	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020
Deed Sale	Dec 2, 2020
Prior Sale	Nov 1, 2019 · Amount on Record
Deed Document Number	1436116
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	442 JEFFERSON ST, WATERLOO, WI 53594-1420
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001464309
Date	Jun 28, 2022
Instrument	1464309

Lender

Name	BANK OF DEERFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON WI
Property Address	442 JEFFERSON ST, WATERLOO, WI 53594-1420
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001442482
Date	Mar 25, 2021
Instrument	1442482

Lender

Name	BANK OF DEERFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON WI
Recording Date	Nov 1, 2019
Property Address	442 JEFFERSON ST, WATERLOO, WI 53594-1420
Document Number	0001416432
Instrument Date	Oct 15, 2019
Instrument	1416432
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 JEFFERSON ST WATERLOO WI 535941420, WATERLOO, WI 53594-1420

Mortgage

Document Number	1416433
Date	Nov 1, 2019
Instrument	1416433

Lender

Name	BANK OF DEERFIELD
Type	Bank
Address	DEERFIELD, WI 53531

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON WI
Recording Date	Jul 7, 2017
Property Address	442 JEFFERSON ST, WATERLOO, WI 53594-1420
Document Number	0001384746
Instrument Date	Jul 7, 2007
Instrument	1384746
Transaction Type	Transfer
Record Updated	Mar 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	442 JEFFERSON ST, WATERLOO, WI 53594-1420

Mortgage

Document Number	0001384747
Date	Jul 7, 2017
Instrument	1384747

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Jefferson County
Municipality	Waterloo City
Unified School District	Waterloo School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,939.00 (+12.38%) Homeowner's exemption	$215,000 (+22.86%) Land $37,500 Building $177,500	$237,300
2023	$3,505.00 Homeowner's exemption	$175,000 Land $31,500 Building $143,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 5, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 97.9% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATERWORKS serves 3,520 people · EPA ID WI1280115
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line replacement Oct 2019 Lead public education Jan 2018
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Netwurx.

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